China Banking Regulatory Model

20 years of reform and opening up, China's government have achieved great results in banking supervision, such as construction supervision organization system, establishing a monitoring indicator system, building a supervision legal system or improving the content of supervision. In recent years, with the establishment of Banking Regulatory Commission, They have improved the professional level of banking supervision greatly. It's the marks that China's banking supervision are moving towards the way of scientific and legal and standardized. At the same time, we should also realize that the way of our government banking supervision has been at the exploratory stage. It has not yet get the integral theory, and there is no own characteristics of the banking supervision. Besides, we can see that the species of small cases is also very hard to detect even though the establishment of the CBRC. The effect is limited though they were implementing the separation of banking supervision, or creating more and more monitoring tools. After accession to the WTO, we promise to opening up our country of the financial area. There're various foreign banks and financial institutions entering China which have take more competition and advanced management concept. Domestic banks continue to improve at their own level of service and strengthen the capability of innovation. In addition, the continuous development of domestic banks is obvious recent years. There have been CCB, Bank of China, ICBC shares to achieve a listing; ABC is also ready to reforming. Domestic banks take the change of maximizing shareholder value with more risks.Facing of the rapid development of the banking industry, more and more risks is emerged. There are more requests to the government to create banking supervision pattern, adjust innovative banking model. Give full play to the effectiveness of banking supervision.This article is divided into four sections total.The first part of the theory is the outline of the banking supervision. First of all, it has briefly introduced the meaning of the Banking Supervision and classification; Secondly, it has analyzed the traditional banking supervision of the main elements of the theory; third, it has analyzed the effectiveness of banking supervision specifically.The second part has analyzed the situation of the international banking supervisory pattern and trend. At First, it has briefly introduced the international banking supervision model; basis on the major countries of the world of banking supervision, there is a comparative study of patterns; and the international banking supervision model development path and trends is also mentioned; Finally, we have get some inspirations by studying the sub-loan crisis of the international banking.The third part mainly studies the contents of China's banking supervision and has an overview of the status of the banking supervision pattern. It introduces the significance and necessary of China's banking supervision; secondly, we have review the history of the China banking supervision, and introduce the current functions and settings of china banking supervision institutions; at last, it has analyzed the shortcomings in China's current banking supervision model, and gets some inspirations by comparing to the foreign banking supervision and studding the sub-loan crisis.At the end of the thesis, it takes some suggestions on banking supervision model base on the above-mentioned three parts.